million aircover® flight Insurance is arranged and administered by Chesterfield Insurance Brokers Ltd, and underwritten by certain underwriters at Lloyd’s, One Lime Street London EC3M 7HA. Details of the extent of our regulation by the Financial Conduct Authority are available on request.

Making a complaint

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.

If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact Chesterfield Insurance Brokers Ltd, I Minster Court, Mincing Lane, London EC3R 7AA. In the event that you remain dissatisfied and wish to make a complaint, you can do so at any time by referring the matter to either

Details of Lloyd’s complaints procedures, including timescales are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com and are also available from the above address. If you remain dissatisfied after Lloyd’s has considered your complaint, or, in any event, after a period of eight weeks from making your complaint, you may refer your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. The contact details for the FOS are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4 567 (calls to this number are free from “fixed lines” in the UK) or 0300 1239123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email complaint.info@financial-ombudsman.org.uk. You can find more information on the FOS at www.financial-ombudsman.org.uk.

Making a complaint does not affect your right to take legal action.

Handling your money

When collecting or returning premiums, Chesterfield Insurance Brokers Limited act as the agent of the insurer. This means that your money is protected, as any premiums you pay to us are treated by the insurer as having been paid directly to them.

Policy Summary

This summary does not contain the full Terms and Conditions of the million aircover® policy. Full details can be found in the Policy Booklet which is available by downloading a copy online at www.million-aircover.com/policy_wording.pdf. It is important that you read the policy documentation carefully when you receive it.

Name of the insurance undertaking

This insurance product is underwritten by certain Underwriters at Lloyd’s.

Type of insurance and cover

The million aircover® policy protects you for the flight(s) as included on your application; these are detailed on your policy schedule. The benefits of the policy are shown below.

Benefits

Significant Information

Limit

Excess

Death, caused by an Airline Accident

The maximum claim where an accident results in the death of an insured person is limited to £1,000,000 any one passenger, any one event.

In the event of a claim under the policy and in accordance with section 2, Underwriters will advise the Executors of your estate as to any request made by you at inception regarding beneficiary(s).
However, any benefit paid to your Estate &/or Beneficiary may be subject to Inheritance or other equivalent local tax.
Please note coverage is excluded to and or from the following territories Afghanistan, Algeria, Azerbaijan, Burundi, Cameroon, Central African Republic, Colombia, Democratic Republic of Congo, Egypt, Ethiopia, Iran, Iraq, Jammu & Kashmir, Lebanon, Libya, Mali, Mauritania, Nigeria, North Korea, Pakistan, Peru, Somalia, The Republic of Sudan, South Sudan, Syria, Ukraine, Yemen.

£1,000,000

NIL

Air Accident

A notifiable airline accident associated with the operation of an aircraft which takes place between the time an insured person boards the aircraft with the intention of flight until such time as all such persons have disembarked.

Eligibility

You the policyholder must be the purchaser and aged between 18 and 75 (inclusive) when the policy is purchased.
You must reside in the E.U or U.K

Duration of cover

The policy will remain in force for the period of insurance shown on your policy Schedule.

Duplication of cover

In the event that a policy is subsequently purchased in error for the same passenger and flight this would be deemed to be a duplicate policy and therefore no cover would be considered to be in place. Only the original policy will remain in force. The duplicate policy would be duly cancelled and a refund provided. The refund applicable will be processed within 28 days of the purchase of the policy.

Cancellation within the Cooling Off Period

This insurance has a cooling off period of fourteen (14) days from the date you receive this insurance documentation provided your cover under this insurance has not commenced, or is about to commence in less than 14 days

If you cancel this insurance within the cooling off period then, provided you have not made a claim, we will refund in full any premium you have paid.

To cancel the policy please complete the Get in Touch form; Enter Cancel in the subject Line and your policy number and details in the subject box or send an email to admin@million-aircover.com with Cancel in the subject line and your policy details in the main body of the email. If you do not exercise your right to cancel your policy, it will continue in force for the term of the policy.

Right of cancellation

After any statutory cooling off period you may cancel the policy at any time by contacting us, but no refund of premium will be available. We (or any agent we appoint and who acts with our specific authority) may cancel this policy by sending you seven days’ notice to your last known address. If we cancel your policy we will refund any premium owing to you on a pro-rata basis, if you have not made a claim.

Making a claim

In the event of an insured airline incident which occasions your death, the claims handling representative will make initial contact with your beneficiary and or executor. Alternatively your beneficiary and or executor can make contact with the claims representatives via email claims@million-aircover.com.

Making a complaint about a claim

If you have a complaint about how the claim on the million aircover® policy has been conducted please contact Chesterfield Insurance Brokers Ltd, 1 Minster Court, Mincing Lane, London, EC3R 7AA or call +44 (0)20 7481 1683, or e-mail us at customer-relations@million-aircover.com. The Financial Ombudsman may look into your complaint if you remain dissatisfied after we have reviewed it. However, if we have not provided a final response within eight weeks you can refer your complaint straight to the Financial Ombudsman Service. The Financial Ombudsman Service resolves disputes in an independent and fair way.

Financial Services Compensation Scheme

The insurers are covered by the Financial Services Compensation Scheme (FSCS). This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under their policies. Further information can be obtained from the Financial Services Compensation Scheme (www.fscs.org.uk), by contacting the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or by calling 0800 678 1100 or 020 7741 4100.